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Thanksgiving Food Hazards: How to Avoid Choking, Food Poisoning, and Contamination

November 22, 2017 at 5:31 pm | No comment | Category: family safety, Homeowner's Insurance, Liability

shutterstock_678495754Cooking a turkey is kind of a big deal. Whether this is your first time or your 50th, read through these tips for thawing and cooking to reduce cross contamination and potential food poisoning. You’ll also find tips for storing leftovers and minimizing choking hazards! Keep everyone safe this thanksgiving while still enjoying the festivities.

Hosting the Holidays? Prep Your Home for Guests

November 2, 2017 at 8:07 pm | No comment | Category: family safety, Homeowner's Insurance, Liability

hosting the holidaysIt’s great to get everyone under one roof for the holidays. Good food, good friends, and good fun abound. If you’re the hostess with the mostess this year, be sure to check your list twice for safety. May your holidays be extra cozy when you take these few extra precautions into consideration as you prepare your home for guests.

Trick-or-Treat Safety Tips: Keep Your Home and Family Protected with Florida Homeowner’s Insurance

October 26, 2017 at 2:35 pm | No comment | Category: family safety, Homeowner's Insurance

halloween safetyThe holiday season is finally here and that means it’s time to make sure your home is ready for a Halloween celebration. Whether you’re having friends over for a candy-filled night of fun or you plan on welcoming lots of tiny tots in costume to choose their favorite treats, it’s also a good time of year to revisit your homeowner’s insurance policy. With a comprehensive Florida home insurance policy and a few simple safety tips, you can make sure everyone have a spooky and fabulous night!

Four Tips to Prevent Home Fires

October 13, 2017 at 4:33 pm | No comment | Category: family safety, Fire Safety, Homeowner's Insurance

fire safetyWe hope you practice fire safety and prevention all year long! But if you’re like most of us, some of these simple checks and plans might have slipped your mind. Good news though—Fire Prevention Week is from October 8-14, and it’s a great time to address potential fire risks. Over 365,000 home fires were reported in 2015 in the US alone. Let’s cut that number down. So, break out your “honey-do list” and let’s get rolling with these four fire safety tips.

Fall Maintenance for Homeowners

October 2, 2017 at 8:07 pm | No comment | Category: Homeowner's Insurance, Preventative Maintenance, Storm Season

shutterstock_581142481In the aftermath of Hurricane Irma, Florida homeowners need to take extra maintenance precautions to prepare their home for winter. In addition to investing in comprehensive homeowners insurance, there are several DIY tasks you can complete to prepare your home for a safe and happy season.

Storm Preparation to Avoid Scams

storm seasonIt happens all too often. A vicious storm wipes through the region, causing damage to trees, vehicles, and homes. Maybe you were one of the victims, or maybe you were one of the lucky ones. A day or two following the storm, your family was approached by an individual offering to inspect your roof, replace the crack in your windshield or trim the tree in your front yard – for FREE. The individual holds out a form asking you to sign, promising to work with your insurance company so you don’t have to worry about a thing. Without giving it much more thought, you sign the form. You just became a victim of AOB fraud.

Best Places to Live in Florida

May 23, 2017 at 3:44 pm | No comment | Category: family safety, Home Buying, Homeowner's Insurance

happy-family-legitIf you’re considering a move to the Sunshine State, Florida residents will be quick to tell you that the quality of life is one of the highest, with a warm climate year-round and numerous beaches to choose from. When determining which city is right for your family, you should take into account amenities, schools, and crime rate. The lower the crime rate, the better the insurance rates you’ll most likely receive, as insurance coverage depends a lot on the area you’re residing. Keep these 9 cities in mind when deciding where to move, and live happier!

Roofing Fraud & AOB – How to Protect Yourself

assignment of benefitsRoofing fraud is alive and well, and some contractors might try and take your money and run. The situation you could find yourself in can seem legitimate, however you need to be wary of a contractor claiming to take care of everything, including your insurance policy. These are specific warning signs you need to keep in mind when it comes to AOB fraud and roofers:

Home Renovations to Improve Insurance Costs

March 31, 2017 at 6:34 pm | No comment | Category: family safety, Homeowner's Insurance, Liability

homeowners insuranceAre you a homeowner who is looking to make improvements to your home and thinking about investing in some exciting renovation projects? Renovations can make your home look and feel better. When thinking about home renovations, it’s a good idea to also consider the effects it may have on your homeowner insurance costs. Some renovations may result in an insurance increase, while others will result in a decrease in premium costs. We can help you get a better understanding on how your insurance rates may change when making changes to your home.

AOB Legislative Overview

March 24, 2017 at 6:39 pm | No comment | Category: Assignment of Benefits, family safety, Homeowner's Insurance

assignment of benefitsInsurance fraud is on the rise in Florida, especially during storm season when insurance claims are high. However, help is on the way to protect homeowners from shady contractors who have bilked insurance carriers and policyholders out of millions of dollars!

In February, the Florida legislature drafted a bill that addresses the Assignment of Benefits (AOB) clause found in homeowners insurance policies. The AOB allows an insured to assign policy rights to a third party. By doing so, the homeowner can no longer deal directly with the insurance carrier in the event of a claim. Once a homeowner gives up those rights, the policyholder allows claims to be paid directly to contractors. Claims adjusters can only legally negotiate with the contractor. Some home repair firms have been cashing claims checks without making any repairs to the insured’s home – which is then cited as AOB fraud. The bill seeks to crack down on the illegal practice.

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